# WESTERN DIVISION
WILLIAMSVILLE, NY · NCUA charter 24731 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-division-24731

Who the members are: federal charter, community charter, organized 1937. 11,515 members of 1,000,000 potential (1.1% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $225.6M |
| Members | 11,515 (4.0% YoY) |
| Full-time staff | 30 |
| Net worth | $32.1M |
| Net worth ratio | 14.2% (p85 of band) |
| ROA (annualized) | 2.01% (p98 of band) |
| Total delinquency | 0.10% (p6 of band) |
| Net charge-offs (annualized) | 0.06% (p10 of band) |
| Loans / shares | 91% (p89 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p63 of band) |
| Operating expense / assets | 2.42% (p11 of band) |
| Vehicles % of loans | 29% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.04% (p5 of band) |
| Vehicle NCO | 0.09% (p12 of band) |
| Repossessed % of vehicle book | 0.00% (p51 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 33% |
| Average share balance | $8,297 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $23,087 |
| Loans granted, annualized | $57.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 0 |  | net worth falling, delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | net worth falling | delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | delinquency rising | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | net worth falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-04-27 [April 27 - Western Division Federal Credit Union - WGRZ](https://news.google.com/rss/articles/CBMivAFBVV95cUxOV3ByVjBDR0h2aTYtT2t6eXJhOTlYdE9fdjByUE5DdEVxS2I1TnVuU1FuZDJucGNFUGhVZ01RWW16dmNTRnQzWTRYTHB1RVBkSXhqTGpfd3JwNkFJemhtOFRkVXZJV1RjWEdyd2VLU3ZPdU0wazF6ZEk0VnJMN193UzR2dTRKWE9sTWtmMEp0NWZVYkwzM0xIQ2ZEZGx4TklUcG56NmxZcEh2YTg4VjllSlh3bjhNT0RuYU1jNA?oc=5) · WGRZ
- 2025-03-13 [Western Division Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaWZTVXdaMUJNck11VF9SRWtQOG1EdG9iam54alhzbWx4eGdKZmJFWGdrYW9tZDYtempsckNQbXE3cjBOZ1E1eGV0ZTVUOGVZbnBNZlBfSkdGMFJSSDEwMndOTDhLVmlIWHllNkwyeXJBd0k1Qk1LMTRheW5ZanBLTjg2YlItcWRZalZBRzk2VkpDcTYtZ0JHeFhTNkhBbGRpeGxXQzh6dllkQzFM?oc=5) · The Business Journals
- 2026-07-27 [Unexpected gift - - observertoday.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBFMVFSX0d3UU4wZ1JidFpmNmJuM2RuVVJ1NjdjSW4wbEpLUVR2ei13RXJma19mUk5Rd1czRzVJRFN0X01Ebk1yRDQxeDBOaTBvSFFmNTZjQTZKNDV0akZKTDc5a1FBdnZTdUtZNzZOWmNXN3NwcUJLTlc3aw?oc=5) · observertoday.com
- 2020-08-26 [Robert Harms named new CEO of Western Division FCU - americanbanker.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNNEM3amRJcldWQUtJajJLWENKTFMtRWpydDJOQVVPU3hycDdhQVgxcFdXSmwySTk4MUJQRkV0ZmE0cWJfRE5aUWFZbXZIY0NSdHBJQjI4VHNFbnpycHJoSFpRRTlwTkI4Y1ZwXy1ZZHdCVldxY1FRajRDelgwVkdRbml0STA5WFR5SkE4SXpCX2hzTmpMVTRydkhZalhndE1OUHhQT3lJdlRtUVBfbHFxcjRqeXktRlU?oc=5) · americanbanker.com
- 2024-06-01 [Sales Include Future Credit Union, Former Dentist Office - - post-journal.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRW5UaEI0UVB6d096enF3emdibG1Zck40OGlmTUtSb1pSOGlZcEpnSkZMbjNic1BnTjl2TkpWTDRid0lFdHM0SDB6Q2JPbk1Md1VhSnozODE4U096MzN0ZTk4ZEdjd3Bvd181RFUzUVpyNE9uT0RWSnJaSVlKSzRpMFNLNl96ZGtsNXNpMUxiZnViTjF1OURRbUhpcXVvVUJXNENLcXFaT2tMNHQxclE?oc=5) · post-journal.com
- 2026-03-01 [Sales include Dunkirk restaurant, former credit union building - - observertoday.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQNzlIV3BTck80bkRWMEtWaVBsT1ktUnRLSEcwWmFCZHV5X1ZEakRoaU13X2Z6a285ZG4zbUVXbVJCTFBZLU9ELWlYdE5PMnoxc2V0cHZpc2wteHIteFVPcWpkMzJ4UFFNeHJ6bkNtbmVXTzdrLWdpV28yQ0xMM053TUNLU2Y0eXFYX2ZMUjVJREdZblhTVnpMQ2trenNScFlpVWRvN1JfRXVIdFl4Y0o4TVF1bFRLSmYz?oc=5) · observertoday.com
- 2024-01-18 [Is your company a Best Place to Work? Here are the 2024 finalists. - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNeF9URUZuWlZuQ1RrUmp3RUNLLVpNTy1BSFdHSE1XRnNvbWVDeW9WWjVDeEdNTDFOd09KaXl5aHZqZFJMbGFFcE1DZUdmZGstTnVsdlpKSDRlcHRsbEx5Rk84TEVJRFFudk1pWmd5RzlkWHlKbWJDMFdkSzFBMnRaT2RUQTZlcjdWM1JndHRGYlM4SlI3U0hpTEtHc2Z0WEFuVGQ1Z19YR3o1QQ?oc=5) · The Business Journals
- 2021-04-05 [2026 Buffalo Best Places to Work - The Business Journals](https://news.google.com/rss/articles/CBMiZkFVX3lxTFAydzRfWVBIejlBVjB0d1lJYUdSdmxpT290SDVnSHYtSkN1NWFWbHd5czJZX3lyWmxOMmVsYWp6UnlCZGFTYlJGZ0pWbTBCUFZjNThQcUtLNWt6VDBtcXNiSy1Ec1JQdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24731 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "24731", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24731
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide